Yes, you can spend your on-demand pay however you like. Your money is your money and you can do what you want with it. 

But we encourage you to use your on-demand pay for important things like bills, repayments, or household essentials like food. Any on-demand pay you transfer during the month will be deducted from your salary, which you’ll receive on your usual payday. So you’ll need to leave sufficient funds to cover your expected expenses.

Using your on-demand pay for essential things means there’s less risk of overspending and not having enough to cover your financial obligations. 

We’re committed to ensuring the financial wellbeing of our users. If our systems notice some potentially harmful spending or borrowing patterns after you access your on-demand pay, we’ll get in touch with you. We’ll provide you with tips and the details of organisations that can help you get your finances on track.